Compare Australian Credit Cards

Credit cards are a handy way to pay for just about anything, which is why they’re so popular. Everything you need to compare credit cards is right here on Mozo. We compare over 200 credit cards from 60 providers!

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Credit card comparisons on Mozo - last updated 19 March 2024

Search promoted credit cards below or do a full Mozo database search. Advertiser disclosure
  • NAB Low Rate Card - Balance Transfer Offer

    Spend with confidence with a low 13.49% p.a. variable purchase rate and 0% p.a. interest on balance transfers for the first 28 months (T&Cs apply). 2% balance transfer fee applies. There’s also up to 55 interest free days on purchases to help you manage your budget better when you make minimum repayments. Minimum credit limit $1,000. No annual fee for the first year (usually $59).

    Purchase rate
    13.49% p.a.
    Balance transfer rate
    0% p.a. for 28 months and then 21.74% p.a. (2.00% balance transfer fee)
    Annual fee
    $59 $0 in the first year
    Rewards program
    -
    Compare
    Details
  • American Express Platinum Edge Credit Card

    Enjoy $0 Annual Card Fee (usually $195) in the first year when you apply online and are approved. T&Cs apply. New Card Members only. Offer subject to change without notice.

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $195 $0 in the first year
    Rewards program
    Membership Rewards
    Compare
    Details
  • Apply By 2 Apr 2024
    American Express Qantas Ultimate Card

    Receive 100,000 bonus Qantas Points when you apply online by 2 April 2024 , are approved, and spend $3,000 on eligible purchases on your new Qantas American Express Ultimate Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $450
    Rewards program
    Qantas Frequent Flyer
    Compare
    Details
  • American Express Explorer® Credit Card

    Receive 50,000 bonus membership rewards points when you apply online, are approved, and spend $4,000 on eligible purchases on your new card within the first 3 months (T&Cs apply). New Card Members only. Complimentary domestic & international Travel Insurance (T&Cs apply). Up to 55 days interest free on purchases. $395 annual fee.

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $395
    Rewards program
    Membership Rewards
    Compare
    Details
  • G&C Mutual Bank Platinum Visa Credit Card

    Receive 50,000 bonus Qantas Points when you apply, are approved, and spend $5,000 on eligible purchases on your new G&C Mutual Bank Platinum Visa Credit Card within 90 days. T&Cs apply. Available to new G&C Mutual Bank Card Members only. Earn 10,000 bonus Qantas Points annually. T&Cs apply. Access Platinum Visa Concierge. Add an additional cardholder at no extra cost.

    Purchase rate
    19.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $299
    Rewards program
    Qantas Frequent Flyer
    Compare
    Details
  • Apply By 15 May 2024
    American Express Velocity Platinum Card

    Earn 100,000 bonus Velocity Points when you apply online by 15 May 2024, are approved, and spend $3,000 on eligible purchases on your new American Express Velocity Platinum Card within the first 3 months. T&Cs apply. Available to new American Express Card Members only.

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $375
    Rewards program
    Velocity Frequent Flyer
    Compare
    Details
  • American Express Qantas Discovery Card

    Earn 1.75 Qantas Points on eligible Qantas products and services per $1 spent (T&Cs apply). Enjoy $0 Annual Card Fee. Get the security of Card Refund and Purchase Cover. Up to four additional Cards at no extra fee. Redeem your points for Classic Flight Rewards (T&Cs apply).

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    Qantas Frequent Flyer
    Compare
    Details
  • American Express Low Rate Credit Card

    Competitive low rate with $0 Annual Fee. Offers Card Refund Cover and Card Purchase Cover. Must have no history of bed debt or payment default, be aged 18 years and over, and be an Australian citizen, permanent resident, or hold a long term visa.

    Purchase rate
    10.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    -
    Compare
    Details
  • American Express Velocity Escape Card

    Earn 1.75 Velocity Points on eligible purchases within Virgin Australia per $1 spent (T&Cs apply). Enjoy $0 Annual Card fee. Get the security of Card Refund and Purchase Cover. Up to 55 days interest free on purchases. Up to four additional Cards at no extra fee.

    Purchase rate
    23.99% p.a.
    Balance transfer rate
    No current offer
    Annual fee
    $0
    Rewards program
    Velocity Frequent Flyer
    Compare
    Details
Search now

^See information about the Mozo Experts Choice Credit cards Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Compare other borrowing options - last updated 19 March 2024

Search promoted personal loans below or do a full Mozo database search. Advertiser disclosure
  • Mozo Expert Choice Badge
    Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    6.75% p.a.to 26.95% p.a.
    6.75% p.a.to 26.95% p.a.based on $30,000
    over 5 years

    Borrow up to $50,000 unsecured. Perfect if you earn more than $22,100 p.a. and have good to excellent credit. Multi-year winner of Mozo’s Experts Choice Unsecured Personal Loan Award, 2021, 2022, 2023 & 2024^'

    Repayment terms from 2 years to 7 years. Representative example: a 5 year $30,000 loan at 6.75% would cost $35,430.23 including fees.

    Compare
    Details
  • Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    5.76% p.a.to 24.03% p.a.
    6.55% p.a.to 24.98% p.a.based on $30,000
    over 5 years

    Fast, easy and 100% online, this is a low cost loan with no ongoing fees or extra repayment penalties. It's perfect for savvy borrowers with great credit. If you’re over 18 and earn above $30,000, you could qualify (other eligibility criteria may apply).

    Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 5.76% would cost $35,173.52 including fees.

    Compare
    Details
  • Express Personal Loan

    Secured

    interest rate
    comparison rate
    Monthly repayment
    14.95% p.a.to 27.95% p.a.
    29.30% p.a.to 42.8% p.a.based on $10,000
    over 3 years

    Access fast finance on loans from $5,000 to $25,000 with a Jacaranda Finance Personal Loan. Terms from 24-48 months. Check if you qualify with no impact on your credit score. Enjoy a speedy, online approval.

    Repayment terms from 2 years to 4 years. Representative example: a 3 year $10,000 loan at 14.95% would cost $14,324.71 including fees.

    Compare
    Details

Personal loan lenders we compare at Mozo

Save with deals from the following well-known brands and many more...

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Credit card resources

Reviews, news, tips and guides to help find the best credit card for you.

                      Credit Card Monthly Snapshot: March 2024

In the past month, there have been some interesting moves taking place in the credit card market, so if you’re looking to get yourself a new credit card or looking to consolidate debt with a balance transfer deal in March these are worth noting. 

  • ANZ increased the purchase rates on all of its cards by 50 basis points to 20.99%, except for the Low Rate card which stays at 13.74%.

  • NAB increased rates on most cards by 100 basis points. Rewards cards are now at 20.99% and the Low Rate Card is at 13.49%. The Low Fee and Low Fee Platinum cards are unchanged at 19.74>#/p###

  • Latitude lifted the purchase rate that applies to all three of its credit cards from 26.99% to 27.49%.

  • Commonwealth Bank increased the monthly fees on its Neo ‘buy now, pay later’ card. The $1,000 credit limit option is up $3 per month to $15, the $2,000 option monthly fee is up $2 per month to $20, and the $3,000 option fee is up $3 per month to $25.

  • The longest 0% balance transfer offer was reduced from 32 months down to 20 month across the Bank of Melbourne, BankSA and St.George Vertigo Cards 

  • In the rewards credit card space there were a few changes to bonus point offers most notably American Express increasing the bonus point offer on its Velocity Platinum card from 60,000 to 100,000 points and on the Westpac Group Amplify Platinum card, Qantas Frequent Flyer points were increased by 10,000 to 70,000 points.

This means that the average interest rate across all credit cards in the Mozo database for March has increased slightly and is now at 17.11% p.a.

Best credit card deals in March 

Longest 0% balance transfer offers: 

Longest 0% introductory purchase rate offer: 

Lowest purchase rate:

Best introductory bonus point offers:  

Choosing your credit card match

Show transcript

Getting the best deal on your credit card

Option overload, it’s definitely a thing in the modern world, especially if you’re thinking of getting one of these puppies.

So, how do you find the best deal on a credit card? Did you know there are more than 200 credit card choices on the Australian market? Look, so, so many. Low interest rate, low fee, balance transfer, rewards. With all those options finding the card that’s right for you can be really hard work. Luckily there’s a place where you can save all that time and effort and see and compare a bunch of different options.

Depending on your financial circumstances, you may want a low rate card to keep your payments manageable, a card with flyer rewards to help you on your big escape, or other platinum perks, like concierge or travel insurance. It could be handy if you need it. Balance transfer cards with a 0% transfer rate help you get a handle on expensive credit card debt. Or, if you pay out your balance each month, a card with no annual fee to help keep costs down.

With so many options out there, doing the research to find the credit card that’s right for you will be worth it.

Head to Mozo.com.au to find out how you can get the best deal on your credit card.

From balance transfer cards that can help you ditch debt through to rewards credit cards offering a range of freebies to entice any big spender's appetite, there's never a shortage of plastic to choose from in the bustling credit card market.

But what type of card is right for you and what are the features to consider and the fees to watch out for?

choosing the right credit card

We're here to answer those questions in this tell all guide, aimed at helping you choose your perfect credit card match. Starting from the top:

What are the main types of credit cards?

As mentioned above, there's plenty of choice when it comes to choosing a credit card. So check out our list of card types below to decide which plastic is worthy of a spot in your wallet:

  • Balance transfer credit card: Have you racked up some debt on your current plastic? Then you could apply for a balance transfer credit card. This would allow you to roll your existing debt over to a new balance transfer card with a zero percent interest rate. Just remember, the 0% balance transfer rate offer will only be available for a set period of time from 6 to 36 months according to the Mozo database. Also keep in mind, if you still have debt to repay after this 0% period the rate will revert back to the standard purchase rate or even the cash advance rate, which can sometimes be higher than 25% (ouch). So make sure you work out how much you will need to repay each month, using Mozo's credit card debt payments calculator, to set yourself up to  blast the debt within the balance transfer term. Be aware that the balance transfer rate only applies to the existing debt you transfer to the card, not to any new purchases you make using the card. And if you have taken advantage of a BT offer to transfer debt, you won't get the advantage of any interest free days on new purchases until your balance is completely paid off. For this reason balance transfer credit cards are often best used only to pay off an existing debt, not for new spending.

  • Low interest rate credit card: If you're the type of person who sometimes carries a balance on your card rather than paying it off in full every month, a credit card with a low interest rate (starting from below 10% and no higher than 14%) could be on your shopping list. That way, if you do have the odd big expense like a holiday or a big ticket purchase that you need a couple of months to pay off, you won't be hit with an excessive interest rate for the privilege. Low interest rate cards generally don't come with frills like rewards programs, travel insurance or other perks, but with the average credit card rate stuck above 17% they are significantly cheaper pieces of plastic. While most low interest credit cards require you to pay an annual fee, it will generally be much lower than an annual fee for a fancier platinum or rewards card, and the cost of the annual fee is likely to be far lower than paying a high interest rate on your spending each month.

  • Interest free credit card: If you intend to purchase some big ticket items in the near future and need some breathing space to pay them off,  you could opt for a credit card with a zero interest “honeymoon” period. Interest free credit cards usually mean you'll get a 0% interest rate on purchases for an introductory period of anywhere between 6 - 17 months, according to the Mozo database. However, once the intro term has come to an end the purchase interest rate will then revert to a higher rate. So if you go for an intro rate card make sure it not only has a competitive “honeymoon” rate but a low revert rate as well. That being said, interest free credit cards are generally well-suited to conscientious spenders who can commit to paying off their purchases before the interest free period ends and who won't be tempted by the 0% rate into buying more things than they really need.

  • No annual fee credit card: If you're someone who really only uses your credit card as a convenient payment method, doesn't value perks like rewards programs and diligently pays off your card balance in full each month, your credit card match could be a no annual fee credit card. You won't need to ensure the interest rate is also ultra-low, because there's no need to worry about being hit with interest when you pay your credit card bill in full and on time each month. There are some no annual fee credit cards on the market that do offer rewards programs and other perks, but for the most part these cards are no frills options suitable for those who don't want to have to pay a fee for the privilege of owning a credit card.

  • Rewards credit cards: Looking for a card that lets you earn rewards points on your spend? Then you're in the market for a rewards credit card. Rewards cards can either be directly linked to frequent flyer programs to let you earn Qantas Frequent Flyer, Virgin Velocity or other airline points on your spend, or they can be linked to a more general rewards program that lets you earn and redeem points for everything from gift cards to discounts on retail purchases to travel. The downside to rewards credit cards is that they generally come with higher annual fees and higher interest rates than no frills credit cards. This means you'll need to be sure that you'll earn and redeem enough rewards each year to make up for the annual fee and you'll also need to pay off your credit card balance in full each month to avoid interest charges that could negate the value of the rewards. Use Mozo's Rewards Revealer tool to find the perfect rewards card for your spend.

  • Platinum credit cards: Want to supersize the amount of rewards you can earn and the freebies you gain? A platinum credit card generally comes with all the perks of a standard rewards card but just more of them, as you'll typically gain bigger bonus points, more rewards points per dollar spent, exclusive entertainment offers and of course more privileges like inbuilt travel insurance, concierge and purchase protection. The catch to all this is higher interest rates and fees, so platinum cards are really suited to people who never miss a payment and always pay their balance in full each month. You'll generally need to meet some strict lending criteria to get a piece of platinum plastic in your wallet, like a minimum income amount, and in any case you'll likely need to be a big spender to be able to earn enough rewards to offset the higher annual fees that come with platinum cards.

  • Travel credit cards: Holidaying overseas is expensive enough with everything from flights to accommodation to factor into your budget - so don't add pricey currency conversion fees to that list! By searching Mozo's travel credit card hub for some plastic specifically designed for overseas use, you could save yourself big bucks. Let this example speak for itself: Say you went overseas with a standard credit card and spent $5,000 on the card, a currency conversion fee of 3% would set you back $150. But if you searched the travel money market for a competitive deal with no foreign exchange fee, you could keep that $150 in your pocket.


travel credit card or regular credit card

What are the features of credit cards?

Whether you're a no frills kind of borrower or a big spender looking to rack up rewards points, you should always compare the credit card market to ensure you sign up with the right deal for you. Here are some features to look out for:

Interest free days: As the name suggests, your interest free days is the amount of time you will pay no interest on your purchases, which is usually 44 or 55 days and starts at the beginning of your statement period and ends on your credit card due date. Big catch coming up: If you fail to pay off your statement balance in full by the due date, you will no longer receive those interest free days for your next statement period. To start receiving interest free days again, you'll need to reduce your balance back down to zero first. 

The best way to ensure you never miss a credit card monthly payment is to set up a direct deposit from your bank account to your credit card provider, so you can clear your balance in full by the due date each month and continue to enjoy interest free spending during the next period.

Complimentary insurance: As mentioned above, many reward and platinum credit cards come with some great complementary features including:

  • Purchase protection: If you’re a big spender who makes big purchases on a regular basis, purchase protection is probably a credit card feature that you should look for. The insurance works by protecting you for a set timeframe after you have made a purchase (around 90 days) against theft, accidental damage or may even cover you if you have lost the item.

  • Extended warranty: When you purchase a big ticket item, it will usually come with a warranty but did you know some rewards and platinum credit cards offer complimentary extended warranty insurance? This means that your precious goods will be covered for an extended period. Just keep in mind, to be eligible for the extended warranty, you will need to make the purchase on your credit card.

  • Price protection: Retailers are constantly slashing prices, so while you may purchase an item for $1,000 you could come back just a few weeks later to find it is now just $700. That’s where price protection insurance could save you big bucks by refunding you the difference as long as you’ve used your card for the original purchase.

  • Overseas travel insurance: With inbuilt travel insurance you can save yourself the headache of searching for a good travel insurance deal and of course the cost of a standalone policy. But keep in mind that to activate the complimentary travel insurance, card providers often require you to pay part of your travel expenses on the card and have a return ticket (You can find the provider’s specific conditions in their product disclosure statement).

Card scheme: When you start looking for a credit card you will find there are three main schemes to choose from - Mastercard, Visa or American Express. But will choosing one from the other make a difference to your experience? Here's a quick comparison:

  • Zero liability policy: All schemes come with protection from unauthorised transactions, so if someone has fraudulently charged purchases to your card you should be able to get your money back as long as you haven’t been careless with your card or PIN.

  • “Tap and go”: You can make contactless payments for purchases under $100 with VISA Paywave, Mastercard PayPass or AMEX Contactless.

  • Worldwide access: Both Mastercard and Visa have large worldwide access at over 30 million locations. While we couldn’t find a statement by AMEX confirming the exact number of worldwide locations where AMEX cards are accepted, AMEX is generally known to have less locations than Mastercard and Visa.

  • Rewards points and freebies: While the card scheme doesn’t necessarily determine the rewards and features you receive - as the individual bank or card provider will decide on the offerings - standalone AMEX cards issued directly by AMEX generally have more generous rewards programs than bank branded AMEX, Mastercard and Visa cards. But we suggest if rewards points are high on your priority list, one great way to decide between the three is to punch in your details into our rewards revealer.

  • Surcharge fees: Whether you’re picking up the groceries from the local shops or filling up at the bowser, you probably have been charged a surcharge fee for paying with a credit card at some point. This is because the merchant has to pay a fee to their bank to access the card scheme, which the merchant then decides to pass onto you. While merchant service fees for Mastercard and Visa are generally quite similar, AMEX is known to charge higher fees to merchants, thus the merchant may pass on a higher surcharge to the customer. Luckily, new rules have come into force in Australia banning excessive surcharges on credit card transactions.

What are common credit card fees?

Credit cards are a great convenience, as they allow you to spend in-store, online and overseas and take advantage of features like interest free days and rewards points, but this convenience can come at a price. So watch out for these fees that could end up costing you big bucks:

look out for common credit card fees
  • Annual fee: Each year you may be charged a fee for using the credit card, which could be anywhere from $0 to $1,450 according to the Mozo database. If you're paying a high annual fee, you should make sure it is worth your while with generous rewards points and other perks that you can make regular use of like international travel insurance. But if you're a no frills type of person who pays your credit card bill on time each month and doesn't use credit card perks like rewards, there's no reason you should be forking out money for an annual fee. Look for a no annual fee credit card instead.

  • Cash advance fee: Withdrawing cash on your credit card is a major money drain, as you will not only be charged the cash withdrawal fee (usually a percentage amount around 3% of what you withdraw) but will also incur a high cash advance rate that can soar over 20%. And unlike purchases, interest free periods don't apply for cash advances so you'll be charged interest from the day you make the cash advance until the day you clear your credit card balance.

  • Overseas currency conversion fees: If you regularly jetset overseas, a standard credit card could see your overseas travel money bills soar, as every time you spend on the card you could be hit up with a pricey currency conversion or foreign exchange fee which can be anywhere between 0%-4%. So when you're planning your next international vacay, search Mozo's travel credit card section for some plastic that has low or no foreign currency conversion fees whatsoever.

  • Late payment fee: When you don't pay your balance by the due date you could be hit up with a late payment fee of around $10-$30 on top of the interest charged. So as suggested above, set up automatic repayments so you never miss the due date.

Which is better a credit card or personal loan? 

Ah, the age old debate of plastic versus personal loans. The truth if there are pros and cons to both options - it all depends on what type of borrower you are. 

Credit Card Pros 

  • Provides you with the flexibility to pay as you please

  • Potential honeymoon period if you opt for an interest free intro offer or take advantage of interest-free days 

  • Option to earn points for your spending through a rewards program

Personal Loan Pros 

  • Set borrowing amount

  • Consistent repayments, with the option to make additional contributions in some instances 

  • In some cases, borrowers with a good credit score can receive lower rates, sometimes as low as 3% 

Credit Card Cons 

  • Standard credit card interest rate sitting at a hefty 17%  

  • Annual fees can go up to $900 or more

  • No enforced payment plan, only requires minimum monthly repayment that is generally around 2% - 3>#/p###

Personal Loan Cons 

  • Some loans come with hefty application or upfront costs when you first sign up 

  • You could face application, ongoing service, or early repayment fees 

  • Set repayments can sometimes be tricky to pay back, not as much flexibility when it comes to paying down debt

How do I compare credit card deals?

Ready to start comparing? Our credit card comparison table at the top of the page can help you see some great-value deals in the market right now and comparing on the features that are most important to you, whether that be low interest rates or 0% balance transfer offers or rewards programs. Once you've found a card offering a great deal on the feature most important to you, be sure to check the other features of the card to make sure you're not going to get stung by a huge annual fee or a hefty purchase rate.

Alternatively you can use our credit card search tool to punch in your details for a personalised search result. And if you're looking to save on interest by switching from your current card to a card with a lower rate, our Switch & Save Calculator will show you how much you could save by finding a cheaper card.

What will I need to apply?

There are two main things you will usually need to apply for a credit card in Australia:

1. Identification: The bank or credit card provider will ask for details of your identification like your Australian driver's licence number. You will also need to be an Australian resident and usually over the age of 18.

2. Financial details: They'll also want to know details of your employment and how much you earn. Each provider will have their own income requirements, for example if you're applying for a basic credit card you may only need to earn a minimum of $15,000 each year, compared to a premium card that will have a higher income requirement of generally over $65,000 per annum.

Could my credit card application be rejected?

Credit card providers can, and commonly do, reject applications for a number of reasons. When assessing your application, the provider will take into account a number of factors including your job stability, earnings, expenses and credit history. Any of these areas can be grounds for rejection, as can other more basic issues such as not meeting citizenship or residency requirements, being under the minimum age limit and not earning enough to meet  the minimum income requirement for the card.

A card provider may also reject your application if you've applied for several credit cards in a short space of time, as this may indicate that you are struggling financially. To maximise your chance of being approved, don't apply for a credit card without first checking that you can meet the application requirements and don't apply for a credit card unless you seriously intend to use it.

Finally, even something as simple as entering incorrect information on your application can be grounds for rejection, as a something like an incorrectly entered driver's licence number for instance can make it difficult for the card provider to verify your identity. Always read over your application before you submit it and double check that all the information you've entered is correct.

What should I do if I've been declined?

If you've been rejected for a credit card, don't make the problem any worse by immediately applying for another card. This could more than likely add another black mark on your credit record, as any credit card rejection will show up on your report.

The first thing to do is get in touch with a credit bureau to request a copy of your credit report. This will tell you if your credit rating needs improving, or if there are any mistakes on your report that could have led to your rejection. If your credit rating is less than stellar, make a plan to try and improve it. This could include consolidating outstanding loans or cards into a debt consolidation loan to help you pay off the debt faster. If you've spotted an error on your report, you can contact the credit agency to try and get it fixed. 

The other area to review is your monthly expenses. See if there are big expenses you can cut down and set a simple budget to try and reduce your everyday spending.

Once a bit of time has gone by and you've been able to fix some of the above issues, you could try applying for another credit card again. Just because you've been declined once doesn't necessarily mean you will always be declined.

What is the future of credit cards?

It's clear that customers are now wanting more from their credit cards and payment methods. For example, recent Mozo research shows a shifting interest toward buy now pay later products instead of traditional cards. Of course, these new platforms are not a replacement for a credit card, our report concluded, but rather are simply seen as a good way to manage payments by instalments. 

New technology affords a fresh take on what is essentially borrowing money. So, credit remains important to consumers but maybe the delivery of that credit is equally important. Increasingly we have been wondering about the future of credit cards here at Mozo, which culminated in a special investigative feature that you can read here, entitled 'What is the future of credit cards?'

Picture of JP Pelosi
JP Pelosi
RG146
Managing editor

Jean-Paul (JP) Pelosi is an experienced journalist and editor who has contributed to many of Australia's leading media outlets including The Guardian, News.com.au, Domain.com.au, Investment Magazine and ANZ's Bluenotes. He has also edited news and communications for large financial services companies such as CommBank, Suncorp, Allianz and Amex. He loves a well told story and applying his editorial experience to content that readers both care about and enjoy. JP heads up our writing team.

Credit Card Reviews

NAB Low Rate Card
Overall 9/10
47

I love nab it's the best bank in Qld

Read full review

I love nab it's the best bank in Qld

Price
8/10
Features
7/10
Customer service
4/10
Convenience
9/10
Trust
9/10
Less
Tyler, Queensland, reviewed 5 days ago
Bankwest Zero Mastercard
Overall 9/10
Good for overseas travel

This card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.

Read full review

This card has zero annual fee and has complimentary travel insurance. It also has no transaction fee for overseas purchases beside a favourable exchange rate. Every time I en countered an unauthorised transaction and reported it to the bank via internet banking mail, they swiftly process my dispute and reverse the fraudulant charges. I can't leave for overseas without it.

Price
9/10
Features
8/10
Customer service
8/10
Convenience
8/10
Trust
9/10
Less
Daphne, Queensland, reviewed 14 days ago
Bank Australia Credit Card
Overall 8/10
Great for points, less so for features.

The Qantas Money card is great if you want to maximise Frequent Flier points, however the app and website aren't very feature rich, with frequent downtimes. If you can look past that and utilise the bonus points effectively, you can amass a significant amount of points each year.

Read full review

The Qantas Money card is great if you want to maximise Frequent Flier points, however the app and website aren't very feature rich, with frequent downtimes. If you can look past that and utilise the bonus points effectively, you can amass a significant amount of points each year.

Price
7/10
Features
10/10
Customer service
4/10
Convenience
4/10
Trust
7/10
Less
Tom, Western Australia, reviewed 14 days ago

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